Case sharing: Is insurance useful for giving birth in the United States?

1. Can I buy insurance in the United States after pregnancy?

Moms who are more than three months pregnant and do not live in the United States and do not have a social security number cannot buy maternity medical insurance in the United States, and no insurance company will accept your application. So if you are in the United States and can buy American maternity insurance, there must be something wrong and you have been defrauded.

2. So how can I qualify to buy maternity insurance in the United States? Only mothers who lived in the United States before becoming pregnant or entered the United States before three months of pregnancy can purchase maternity medical insurance. Of course, if the mother has a legal long-term U.S. residence visa, such as H-1, she can apply for it. Social Security Number) 3. Can I buy insurance in China?

Some domestic insurance companies currently provide insurance for hospitalization. For example, hospitalization for major illnesses or surgery are all covered. It’s just that the content of the claim shall be subject to the regulations of the relevant insurance company. Does it include claims for overseas medical treatment? In this regard, you need to ask the domestic insurance company intermediary whether there are relevant insurance products to choose from. ?

The United States is a user-pays country, and insurance is not really cheap. Unless you work in the United States and enjoy the insurance discounts provided by your employer, the monthly insurance premium will range from 300 to 500 US dollars. , the insurance premium alone is several thousand dollars a year, plus the deductible after production: about more than a thousand dollars (depending on the situation), which does not really save you money.

Four: If mothers want insurance for their baby’s medical treatment after returning to the country, it is possible, but mothers with registered permanent residence should not buy it because they have medical insurance. However, mothers who do not have a registered permanent residence can buy them from global insurance companies such as IMG, which have a relatively good reputation.

PS: If mothers maliciously apply for local MEDI-CARE public medical resources, such as California's "MEDI-CAL", it will affect their ability to re-enter the United States in the future, and will also affect their future Applying for immigration is not worth the gain, so don’t do this.

The above is compiled based on Ada’s father’s Weibo. I hope everything goes well with the baby~